RMD deadlines are strict — miss them and you face a penalty on the amount you should have withdrawn. Here are the key dates for 2026.
Your First RMD — Special Rule
In the year you first reach your RMD starting age (73 or 75), you have an extension: your first RMD can be taken as late as April 1 of the following year.
The two-in-one-year trap: If you delay your first RMD to April 1, you must also take your second RMD by December 31 of that same year. Taking two RMDs in a single year can push you into a higher tax bracket and trigger IRMAA Medicare surcharges. Many seniors find it better to take the first RMD in the year they turn 73/75 rather than delaying.
Annual Deadline — December 31
All subsequent RMDs (year 2 onward) must be taken by December 31 of each year. There is no grace period. If December 31 falls on a weekend or holiday, take the distribution by the last business day of the year.
Early vs Late Timing — The Strategic Question
| Timing | Advantage | Disadvantage |
|---|---|---|
| Early (Jan–Mar) | Spreads tax throughout the year; money can go to work in taxable accounts sooner | Reduces account balance for the rest of the year |
| Late (Oct–Dec) | Funds stay in tax-deferred account longer; better picture of full-year income for planning | Risk of forgetting; end-of-year rush |
| Split (multiple times) | Smooths income recognition; some prefer monthly or quarterly | More transactions to track |
Setting Up Automatic Distributions
Most financial institutions (Fidelity, Vanguard, Schwab, TIAA) allow you to set up automatic annual RMD distributions. This eliminates the risk of forgetting your deadline entirely. Many seniors set up December distributions — or December 15 to allow for processing time.
Calculate Your 2026 RMD and Deadline
Know your exact required amount and date — then plan the best time to take it.